Homeowners Insurance

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Your home is most likely your biggest asset. If a loss occurs, the Richard R. Green Insurance Agency wants to be sure you have the right homeowners insurance coverage.

From the structure itself to liability, contents, other structures and a host of other coverage needs, we take the time to explain your insurance options. During the course of our review, we visit your home to survey your property.

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When choosing Richard R. Green Insurance to help with your home insurance needs, you are also choosing coverage from one of our many trusted providers. Some coverages may be limited or subject to certain restrictions. Therefore, it is important to talk with one of our local agents to ensure it’s the right policy.

Typical coverage packages for Massachusetts homeowners insurance can include protection for the following:

The physical structure of your home
Replacement cost
Personal possessions
Additional living expense (in the event of covered loss or a natural disaster)
Personal Liability

You can choose to strengthen your homeowners insurance package with options such as:

Valuable Articles/Floater Insurance policies (i.e., Jewelry Insurance)
Flood Insurance policies
Earthquake insurance policies
Umbrella Insurance policies (additional liability)
Animal Liability (liability issues due to household pets)

Call us or contact us today to learn more about our home insurance coverage options.

Frequently Asked Questions

What isn't covered by homeowners insurance?

While homeowners insurance covers many common risks, it doesn’t cover everything. Damage caused by floods, earthquakes, normal wear and tear, pests, or poor maintenance is typically excluded. Your insurance agent can help you determine whether additional coverage is right for your home.

How is homeowners insurance priced?

The cost of homeowners insurance depends on several factors, including your home’s age, location, size, construction type, claims history, and deductible. Insurance rates can vary from one homeowner to another, so comparing coverage options is a smart place to start.

What is dwelling coverage?

Dwelling coverage helps pay to repair or rebuild the physical structure of your home if it’s damaged by a covered loss. This generally includes the roof, walls, floors, and attached structures like a garage. Homeowners in Massachusetts should make sure their dwelling coverage reflects today’s rebuilding costs.

What is replacement cost coverage?

Replacement cost coverage helps pay to repair or replace covered property with new items of similar kind and quality without subtracting for depreciation. This type of coverage can make it easier to recover financially after a covered claim.

Does homeowners insurance cover detached garages or sheds?

Many homeowners insurance policies include coverage for detached structures such as garages, sheds, fences, and gazebos. Coverage limits vary by policy, so it’s important to review your policy to understand what’s protected.

What are additional living expenses?

If a covered loss makes your home temporarily uninhabitable, your homeowners insurance may help pay for hotel stays, meals, and other extra living expenses while repairs are being completed. This coverage, often called Additional Living Expenses (ALE), can help ease the financial burden after a covered claim.

Will homeowners insurance cover stolen belongings?

Most homeowners insurance policies help cover personal belongings that are stolen from your home. Some policies may also provide limited coverage for items stolen away from home. If you live in Monson, your insurance agent can explain the limits and deductibles that apply to your policy.

Can home improvements affect my insurance?

Yes. Renovations like remodeling a kitchen, finishing a basement, or adding living space can increase your home’s value and rebuilding cost. If you’ve recently completed home improvements in Hampden, it’s a good idea to review your homeowners insurance coverage.

Does homeowners insurance cover personal property?

Most homeowners insurance policies include coverage for personal belongings such as furniture, clothing, electronics, and appliances if they’re damaged by a covered loss. Some valuable items may have coverage limits, so you may want to ask about additional coverage for expensive possessions.

When should I update my homeowners insurance policy?

It’s a good idea to review your homeowners insurance policy every year or whenever you make significant changes to your home. Updating your coverage after renovations, large purchases, or other life changes can help ensure your policy continues to meet your needs.

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The information provided on this website is for general informational purposes only and does not constitute insurance advice. Coverage cannot be bound, altered, or canceled via this website, email, voicemail, or online forms. All coverage is subject to the terms, conditions, and exclusions of the policy issued. Please speak with a licensed agent for specific coverage guidance.